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Which banks have mortgage housing revolving loans
1. Shenzhen Development BankRevolving loan
According to Shenzhen Development, revolving loan means that citizens can mortgage a commercial house to a bank and they can get a certain amount of credit. During the period of real estate mortgage, citizens can make withdrawals and use it in a recurring manner. Housing mortgage loans up to 10 million yuan. The limit period can be as long as 30 years. Citizens can use it with their own hands during this period. This kind of loan can enjoy the relevant preferential interest rate for housing mortgages.
Personal real estate The highest mortgage loan is a large sum of money that a person spends when buying a home. The real estate mortgage can be used to make the fixed assets "move up": as long as it is not stocks and futures, the loans obtained are used to buy houses, buy cars, travel, and study abroad. , consumption, etc. are all done. Unlike ordinary home mortgage loans, this kind of loan customer only needs to complete a mortgage and a nuclear loan procedure, and can obtain up to 30 years of loan credit. During the credit extension period, the loan is intended for use, and it is not necessary to return it at any time. Before each loan is collected, it is only necessary to submit an application form to the China Construction Bank to specify the loan amount. Loan interest is only calculated based on the loan time determined in the application form and is consistent with the benchmark interest rate of the central bank during the same period.
3, China Merchants Bank personal housing revolving loan
Circular credit refers to the customer's mortgage to China Merchants Bank for housing (full or mortgage house). After evaluation, the bank grants a certain line of credit according to the housing appraisal value. Within this quota, the customer can use multiple cash withdrawals for consumption or business purposes. After the loan was repaid, the credit line was automatically restored.
Credit amount: up to 80% of the credit limit. Credit Term: The maximum period of 30 years. Loan interest rate under the credit line: the lowest one can be lowered by 15% from the benchmark interest rate.
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